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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $60,282 | $43,730+37.9% | $121,220-50.3% | $64,173-6.1% |
| Participation rate | 32.4% | 58.3%-26.0pp | 71.8%-39.4pp | 69.6%-37.2pp |
| Annual return | -6.22% | 68.94%-75.2pp | 16.94%-23.2pp | 7.63%-13.9pp |
| Employer contribution / active EE | $672 | $1,297-48.2% | $4,023-83.3% | $2,381-71.8% |
| Participant deferral / active EE | $1,196 | $2,281-47.5% | $3,345-64.2% | $3,470-65.5% |
| Admin fee / account holder | $6,427 | $3,502+83.5% | $5,021+28.0% | $4,887+31.5% |